Health insurance in Switzerland with Credits Conseils

Calculation example

Loan of CHF 20'000. An effective annual interest rate between 4.9% and 10.95% and a term of 48 months generate total interest between CHF 2'018.10 and CHF 4'549.60. Term: 6-120 months; Maximum annual interest rate (including all credit charges) 10.95%. The granting of a loan is prohibited if it leads to the over-indebtedness of the consumer.(Art. 3 LCD)

Health Insurance in Switzerland: Why Work with a Broker like Crédit Conseils?

In Switzerland, health insurance is mandatory for every resident. Each insured person must take out basic health insurance (LAMal), which covers essential medical care in the event of illness, accident (if not already covered by the employer), or maternity. On top of this, you can add supplementary insurance, which offers additional benefits such as free choice of hospital, alternative medicine, or enhanced coverage for dental and optical care.

With the wide range of offers available on the market, finding the right plan can be overwhelming: premiums, deductibles, insurance models, included benefits… the differences are many and often complex to compare.

That’s where a specialized broker like Crédit Conseils makes a real difference.

The advantages of using a broker:

✅ Personalized guidance
Our experts analyze your personal situation, healthcare needs, and budget to recommend the most suitable solution.

✅ Significant time savings
We compare offers from multiple insurers on your behalf, transparently, and present you only with the most relevant options.

✅ Substantial savings
By optimizing your deductible, insurance model, or even switching providers, you can save several hundred francs per year without compromising the quality of your healthcare.

✅ Ongoing support and free after-sales service
At Crédit Conseils, our mission doesn’t end with the signature. We remain at your side for administrative matters or any questions throughout the duration of your contract.

✅ Objectivity and neutrality
We work with multiple insurance providers, allowing us to offer independent advice without pushing you towards a single product.

When can you cancel health insurance?

For basic health insurance (LAMal), you can cancel your contract annually on December 31, provided you respect the one-month notice period—meaning no later than November 30. By law, your insurer must send you the premium for the following year before the end of October, giving you enough time to compare.

For supplementary insurance, cancellation conditions vary depending on the insurer. This is why it’s essential to check the deadlines in your general terms, or simply rely on a broker like Crédit Conseils, who takes care of the process for you.